In Ontario, an at-fault accident can significantly impact your auto insurance premiums. When you’re found at fault, insurers view you as a higher risk, often resulting in increased premiums. The extent of the increase depends on factors like driving history, severity of the accident, and whether accident forgiveness applies to your policy. Without accident forgiveness, premiums can rise by 20-50% or more, especially if it’s your first at-fault claim. This increase generally remains in effect for six years, during which it impacts your insurance rating. Subsequent at-fault accidents within this period could further escalate rates. Some insurance providers may also impose surcharges or limit coverage options. To mitigate future increases, consider defensive driving courses or improving your policy’s deductible. Understanding these impacts highlights the importance of safe driving practices and reviewing your coverage to potentially include accident forgiveness for added protection.